Covenham Financial Services Limited

Reference number: 126072

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • No website on the FCA register

  • Phone number

    020 8950 6221

  • Address

    The Equinox, 2-4 Cow Lane, Bushey, Hertfordshire, WD23 3EL, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 8950 6221 is
  • Who else gives the postcode WD23 3EL
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Other names (3)

If you were contacted under any of these names, it is this firm.

  • Libra Financial Consultants Trading name
  • Libra Insurance Brokers Former name
  • Libra Insurance Services Ltd Former name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (13 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
02006259
Company status
Active
Company type
Private limited company
Incorporated
3 April 1986 (40 years old)
Registered office
The Equinox, 2-4 Cow Lane, Cow Lane, Bushey, Herts, WD23 3EL, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Nihal Shailain Haria-Shah Director Feb 1987 6 May 2026 3 other companies
Raaxeet Kumar Harakhchand Haria Shah Director Sep 1960 Not published 9 other companies
Shailain Harakhchand Haria Shah Director Feb 1959 Not published 6 other companies
Shailain Harakhchand Haria Shah Secretary Not published Not published 6 other companies

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
12
closed down
4
run together
4

In the full report: all 12 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 4 companies these 3 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Micro-entity accountsNot audited

Net assets

£709k

<1% from £714k

Employees (average)

4

Same as 4

Owed within a year

£4,123

−8.5% from £4,506

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 02006259. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Covenham Financial Services’s history from the FCA register and Companies House, newest first.

Key events (9) All events (17)

2016

6 April 2016

  • Raaxeet Kumar Harakhchand Haria Shah became a part-owner (25–50% of shares)
  • Shailain Harakhchand Haria Shah gained significant control

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1999

31 December 1999

  • Changed its registered name from "Libra Insurance Brokers"
  • Changed its registered name from "Libra Insurance Services Ltd"

FCA register

1994

18 July 1994

  • Regulated by the Personal Investment Authority from this date

FCA register

1986

3 April 1986

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (9 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Covenham Financial Services

Other FCA-listed firms that share a director, phone number or address with Covenham Financial Services. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Covenham Financial Services

Other firms of the same type (financial adviser), nearest first.

In Bushey

Hyfi Private Wealth LimitedBusheyAuthorisedJohn Joseph Financial Services LimitedBusheyAuthorisedHaydon Hill Advisors LimitedBusheyAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Covenham Financial Services

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 12 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 17 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Covenham Financial Services Limited FCA authorised?
Yes, Covenham Financial Services Limited (FRN 126072) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Covenham Financial Services’ phone number?
The FCA register lists the phone number 020 8950 6221 for Covenham Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Covenham Financial Services a scam or clone?
Covenham Financial Services is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Covenham Financial Services?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Covenham Financial Services to the Financial Ombudsman Service, free of charge.
Who owns Covenham Financial Services?
Companies House lists 2 people with significant control of Covenham Financial Services: Mr Raaxeet Kumar Harakhchand Haria Shah (25–50% of shares) and Mr Shailain Harakhchand Haria Shah (significant influence or control).
Who runs Covenham Financial Services?
Companies House lists 3 directors of Covenham Financial Services: Nihal Shailain Haria-Shah, Raaxeet Kumar Harakhchand Haria Shah and Shailain Harakhchand Haria Shah.
How long has Covenham Financial Services been in business?
The company was formed on 3 April 1986, and has held its current FCA authorisation since December 2001.
What do Covenham Financial Services’ latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £709k (<1% from £714k).
Does Covenham Financial Services use any other names?
It trades as Libra Financial Consultants. It has previously used 2 other names: Libra Insurance Brokers and Libra Insurance Services Ltd.

Sources and links

The full report on Covenham Financial Services Limited

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